When you’re a freelancer, you need dental and health insurance just like your fellow nine-to-fivers, but without a set paycheck, you might not feel super confident that you can pay for dental and/or health insurance.
Healthy smiles aren’t just about looking great in selfies or having fresh breath. DentalPlans.com provides dental insurance alternatives and affordable dental insurance for students. Find out how to get smart about your smile and affordable dental care for college students.
Anyone might feel a bit wary about purchasing healthcare - or anything else - online, especially on the tails of Healthcare.gov’s October launch. The press has been all over the site’s myriad of problems, and rightfully so. Issues such as outages, security, privacy, availability, and uncertainty about future coverage have haunted countless Americans.
AARP’s dental plans feature very comprehensive coverage, and the slightly higher-than-average cost of the plans reflect this. These plans are a solid choice for those whose dental care needs extend beyond regular cleanings and checkups.
Choosing a dental insurance plan should be much easier than getting a root canal. But finding an affordable dental insurance plan that meets your needs, now and into the future, isn’t always a painless process.
Most dental insurance plans do cover these sorts of treatments at 80% of the cost. You also don’t get coverage for root canals, crowns, bridges, dentures or orthodontics. Typically, dental insurance covers 50% of the cost of these services (20% for braces).
There are times when we all need extra dental coverage. The kids (or you) may need braces, or your dentist may tell you that you require treatment that will exceed your dental insurance plan’s annual coverage limit. You can choose to get a supplemental dental insurance policy, or a dental savings plan.
Obviously you can exhaust your annual dental coverage of $1000-$1500 fairly quickly. And when your dental costs for most procedures go over that limit, you then have to pay for your own dental care out of pocket for the rest of the year.
The next decade is going to be a great one for your smile. New technologies being developed now will soon enable you to maintain healthy teeth for an entire lifetime – assuming that you can afford the necessary dental treatments. Thankfully, dental savings plans make dental care affordable for everyone. And you’ll want to visit a dentist now so that your teeth are healthy enough to benefit from these new treatments.
Supplemental insurance would seem to be the answer if you have exceeded your dental insurance plan's annual maximum or if your plan does not cover a needed procedure. But before you pay more for yet another insurance policy, consider potential problems and your options.
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